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Thread: Boat Insurance

  1. #1
    Join Date
    Jan 2013
    Location
    North Dakota
    Posts
    142

    Default Boat Insurance

    My wife and I were chatting about boat insurance policies and I'm curious what type of coverage others have. I'm not certain exactly what my policy is, but, I know it is the state required minimum which is around 25-50K of coverage.

    My other question is what would be the 'owners' liability in the case a friend was to become injured while being towed behind your boat. For the sake of this discussion lets say the friend being towed knocked himself out after a hard fall and required further medical attention. Would the owner/operator have any liability in this instance if there was no negligance by the owner/operator?
    Last edited by Boatdrinks797; 02-18-2013 at 11:49 PM.
    2013 Mobius LSV
    2004 Centurion T5

  2. #2
    Join Date
    Jun 2007
    Location
    Vancouver, WA
    Posts
    3,810

    Default

    Prob a great question for your insurance company but I'm betting it wouldn't be on the owner operator at all. I'm probably over insured at:

    - $500 emergency tow/service
    - $32k for hull and trailer
    - $500k liability
    - Medical $10k per person
    - Medical $50k per occurrence

    A few summers ago I had a bad wipeout that eventually landed me in the ER. My boat but I was being towed, not driving at the time. Xrays, CT scan, feel good drugs, etc. all on the medical insurance. Not even a question about my mariner policy.
    Old enough to know better, young enough to do it anyway.

    2001 MobiusV

  3. #3
    Join Date
    Jan 2008
    Location
    Tallahassee, FL
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    11,054

    Default

    You are probably the only person who is not covered. Make sure you have some uninsured boater coverage. That's the one you will find out you really need when some idiot does what idiots do.
    My Mom said I'm not allowed to get wet!
    2008 LSV
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  4. #4
    Join Date
    Jun 2007
    Location
    Vancouver, WA
    Posts
    3,810

    Default

    Quote Originally Posted by kaneboats View Post
    Make sure you have some uninsured boater coverage.
    Yeah, think I'll be making a call to check on that today. Thanks for the tip.
    Old enough to know better, young enough to do it anyway.

    2001 MobiusV

  5. #5
    Join Date
    Sep 2005
    Location
    Claytor Lake, VA
    Posts
    291

    Default

    I have house, car and boat with the same company which qualifies for some good discounts. Also allowed me to cover all with a 1 mil blanket policy.
    2005 Mobius LSV

  6. #6
    Join Date
    May 2009
    Location
    Carlton Oregon
    Posts
    5,965

    Default

    Heres what my insurance covers,
    Boat and Equipment <cant tell you because my purchase price is classified> But its purchase +15K
    Trailer--------------5k
    Personal Effects----5K
    Towing--------------1K
    Liability-----------100K
    Pollution Liability 854K
    Medical Payments 10K
    Unisured Boaters 100K
    L& HWC Statutory

    I pay right at 500 a year
    Malo <--- Means--Evil or Mean One. This explains a lot.
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